How will it help?

This course will help you save hundreds, pay off debt quickly, better organize and manage your finances, plan for the future, and learn timeless Biblical financial principles.

What other students have said:

“This course has changed my life! I still have a few classes to complete, but wanted you to know that my financial life has been changed forever and I am grateful! ”

– Nan M.

“This has been the best free course ever! I have been searching for some much needed help with getting out of debt and you provided me with many wonderful tools. Thank you so very much I have recommended you to many of my friends already. ”

– Jo W.

“Wow. It is really difficult to communicate how the email course has changed our lives, not just directly but indirectly. There are just so many things that we had not understood or thought through – the course instructed us and helped to direct our thinking. ”

– Aimee H.

“I loved this!!!! I can already see a huge difference! We are in a lot of debt but this program has helped me be able to see the end is near. I have planned it out and within the next year all of our debt will be gone!! Thank you so much for this program!!! It is the best!! ”

– Monica S.


Bob Lotich

SeedTime Founder

Bob Lotich is a Certified Educator in Personal Finance (CEPF®), award-winning blogger, has over 10+ years experience writing about money, and has been named a top 20 social influencer in personal finance. His writing has been featured on Forbes, The Huffington Post, Yahoo Finance, CBN, Crosswalk, Patheos and others. He has been a full-time writer since 2008, Youtuber since 2018, and loves uncovering financial wisdom in the Bible as well as discovering the best tools and strategies to help you put more money in your pocket.